By the testator’s will in clause fourteen his housekeeper is given the household goods and furniture, while by the second clause she receives a pecuniary bequest in these words, “To Mary J. Witherell, my housekeeper $500 to be in trust of my executor and put in savings bank, the income to be paid to her yearly, and the executor can draw this money, and buy a cheap place for her to occupy during her life if he thinks it would be for her good.” She having died leaving the principal of the fund unimpaired, or unconverted by the trustee, we are asked to determine whether it shall be paid to her administrator, or distributed among the testator’s next of kin as undevised assets of his estate, there having been no residuary clause in his will.
The will is not drawn with technical precision in the use. of terms, and not much, if any, aid as to the testator’s intention is to be derived from the other clauses. In the bequest to his daughter, omitting the words “to be in trust,” the same form of gift is used, while the pecuniary gifts to his son and to his grandchildren add the words “ in trust,” but all contain a pro*3vision that the income is to be paid yearly. His estate evidently was not large, and there being no residuary clause an inference cannot safely be drawn that his intention was otherwise than to make a full testamentary disposition of his property.
It was said in Chase v. Chase, 132 Mass. 473, 474, “ Ordinarily, an unqualified gift of the use, income and improvement of personal estate vests an absolute interest.”
Where the income is bequeathed for life with a remainder over, the executor, if no provision is made for a trustee, holds the fund and pays the interest to the beneficiary. The intention of the testator in such a case is clear that the first taker is not to have the possession of the property, but is to receive only the income, while on the happening of a stated contingency the principal is to pass to other's. Saunderson v. Stearns, 6 Mass. 37. Dorr v. Wainwright, 13 Pick. 328, 331. Lewis v. Shattuck, 173 Mass. 486.
So far as his means permitted, the testator’s object was to provide a comfortable support for his housekeeper, and with abundance of caution he provided for the investment of the fund in some savings bank, or if her personal comfort would be better served then the entire sum might be used to provide her with a home. To accomplish this, instead of giving the possession to her he used the woi'ds “ in trust of my executor.” But the legal title conferred must be held to have been commensurate with the power to convert the fund into real property, and thus was limited to her life. Boston Safe Deposit & Trust Co, v. Mixter, 146 Mass. 100.
During her lifetime she was vested with an absolute equitable title, and although the legal title was in the trustee this did not limit or diminish her interest. Upon her death, the trust having been fully executed, the legal title followed the equitable title, and the fund became part of the assets of her estate. Fay v. Phipps, 10 Met. 341. Chauncey v. Francis, 181 Mass. 513. Chauncey v. Salisbury, 181 Mass. 516.
Decree of the Probate Court affirmed.